When a workplace injury has you depending on workers' compensation insurance benefits, your level of benefits may undergo a change at some point. The partial salary you earn while you recuperate at home is meant to be temporary, though only your doctor can determine when you should return to work. Read on to find out more about what might happen to your temporary benefits if you are unable to return to your job.
When an Injury Causes Lasting Problems
Your case is continuously monitored while you are recuperating. Your doctor must provide regular updates on the state of your health to the insurance carrier and to your employer. In some cases, you are deemed to be unable to perform the tasks of your job anymore due to the injury. This ruling often comes after what is known as an independent medical examination. If you are ruled permanently disabled because of the workplace injury, you might be entitled to a number of benefits.
Your Skills May Lead to a Different Job
Most people want to work at jobs that they enjoy and that provides them with a sense of accomplishment. That job can be in jeopardy when you are suffering from a workplace injury. In some cases, you may be able to still work and earn an income from an alternative job. This job is called a suitable job by the workers' comp insurance carrier. When you are the recipient of a suitable job offer, it may be an offer you cannot turn down. In some cases, the job offer allows you to replace some or all of your missed income due to the injury. This saves the insurance company money and helps you be productive. To meet the standards, there are certain restrictions that apply to suitable job offers. Unless the job is unsuitable, turning it down could jeopardize your workers' compensation benefits. For example, if you were injured by an accident on the assembly floor of a factory and are unable to return to that job due to those injuries, there may be a position in the office of the factory that you are qualified to perform.
Suitable Job Restrictions
For it to be considered a suitable job, it should meet certain requirements:
- In the same general field as the previous job.
- Takes into consideration the education and skills of the hurt worker.
- Makes appropriate allowances for the disability.
- Is located nearby.
If the workers' compensation agency is treating you unfairly, speak to a workers' compensation lawyer about your claim right away.
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